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| Augusta | | The best time to switch policies is | | Lloyd's Broker: A person who has the |
| Gainesville | | within one month of receiving your | | authority to negotiate insurance |
| Westbury | | policy renewal from your current | | contracts with the underwriters on the |
| Houma | | insurer. You can typically cancel your | | floor at Lloyd's. |
| Muskegon | | policy without any fees or penalties if | | |
| Long Beach | | you act within this time period. | | Theory of Probability: The |
| Naples | | | | mathematical principle upon which |
| Youngstown | | While some companies raise their | | insurance is based. |
| Boston | | prices based on your actual age, | | |
| Springfield | | most companies increase the price of | | Valuation Clause: A clause stating the |
| Boca Raton | | their policies six months before your | | value of items for insurance |
| Dothan | | birthday. Its a term called Age | | purposes, making it a valued policy. |
| Lawton | | Nearest in the industry, and that | | |
| Fayetteville | | half-year price increase could really | | Agency Contract (or Agreement): The |
| Cypress | | add up over a 20-year term policy. As | | document which establishes the legal |
| Huntsville | | above, the quicker you purchase your | | relationship between an agent and an |
| Alexandria | | policy the better. | | insurer. |
